In general, I agree. However, that's where things stand now. It would have taken fast too long to explain all the options Congress has, and it wasn't the main point. But whichever way Congress acts, the simple truth is that they can't afford to pay what they promised. They'll cut benefits, or they'll start them later, or they'll cut them for people who make more - the one thing I doubt most they'll do is increase payroll taxes. So it may be that the details will be different, but the gist will be more or less the same.